Kshitija JoshiKshitija Joshi is Assistant Professor at National Institute of Advanced Studies, Indian Institute of Science, Bangalore. She is part of the Reserve Bank of India programme on interdisciplinary approaches to economic issues, which aims to probe core eonomic problems using the lens of non-economic disciplines. Dr Joshi is currently working on a project that assesses the Demand side of Financial Inclusion in rural Karnataka - in particular, the contours of formal and informal finance. Read More Read Less